DebtWise: Debt Payoff Planner

DebtWise helps you build a realistic, personalized debt payoff plan — and actually stick to it.

Most debt apps force you into Avalanche (highest interest first) or Snowball (smallest balance first). DebtWise gives you a third option: your own order.

CUSTOM PAYOFF ORDER
Drag your debts into any sequence that makes sense for your life. Pay off the family loan first. Tackle the one causing you the most stress. DebtWise recalculates your freedom date instantly every time you reorder — no re-entering data, no spreadsheet fiddling.

NEVER MISS A PAYMENT
Get a local reminder 3 days and 1 day before each debt's due date. Tap "Mark as Paid" when you've paid — the app advances the due date and starts building your payment history. All reminders are scheduled on-device. No server, no account.

AVALANCHE & SNOWBALL TOO
Both classic strategies are built in. With Pro, compare them side by side: see exactly how much interest each one saves and which gets you debt-free fastest.

CASCADE EFFECT
When a debt is paid off, its minimum payment automatically rolls into the next one — accelerating your payoff without any extra effort. Included with Pro.

TRACK YOUR PROGRESS
Watch your freedom date get closer. Unlock milestones as you pay down each debt. See your total interest shrinking month by month.

WORKS OFFLINE, IN 9 LANGUAGES
Fully usable with no internet connection. Available in English, Spanish, French, German, Italian, Portuguese, Japanese, Korean, and Chinese.

FREE TO START
Track unlimited debts, free forever — reminders, milestones, and backup export & import included. Upgrade to Pro for your own custom payoff order, cascade payments, side-by-side strategy comparison, and the cash-flow-first strategy. Pro is a yearly plan or a one-time purchase.

PRIVATE BY DESIGN
No account. No cloud sync. No ads. Your debts live only on your device and leave it only if you export or share them. Anonymous usage stats (which features are used, when something breaks) never include your debts or anything that identifies you.

Recent changes:
A fresh look, built around what's due.

• New home: this month's payments, one tap to mark paid (with Undo), your journey
• Upcoming payments with dates
• Debts: compact list; sort by type, tap to flip
• Debt detail: interest share of each payment
• Free: extra payment, backup import
• Easier to use: contrast, tap areas, large text, screen readers
• Fixed: an extra payment no longer marks the month paid
• Fixed: balances no longer jump when you mark a payment on a debt you'd already been paying